Investment calculator.
Project lump-sum and regular investing after fees and in today’s money.
Investment inputs
Monthly end-of-period contributions. Net annual factor = (1 + gross return) × (1 − annual fee). Inflation discounts the ending balance. Taxes and variable market returns are not modelled.
View detailed breakdown
| Year | Balance | Invested | Gain / loss |
|---|---|---|---|
| 0 | $10,000.00 | $10,000.00 | $0.00 |
| 1 | $13,734.39 | $13,000.00 | $734.39 |
| 2 | $17,710.20 | $16,000.00 | $1,710.20 |
| 3 | $21,943.06 | $19,000.00 | $2,943.06 |
| 4 | $26,449.56 | $22,000.00 | $4,449.56 |
| 5 | $31,247.42 | $25,000.00 | $6,247.42 |
| 6 | $36,355.45 | $28,000.00 | $8,355.45 |
| 7 | $41,793.72 | $31,000.00 | $10,793.72 |
| 8 | $47,583.57 | $34,000.00 | $13,583.57 |
| 9 | $53,747.74 | $37,000.00 | $16,747.74 |
| 10 | $60,310.42 | $40,000.00 | $20,310.42 |
How this investment calculator works
This model combines an initial balance with end-of-month contributions. It reduces the gross annual growth factor by an annual asset fee, then converts the net factor to a monthly rate. The ending balance is discounted by inflation to show purchasing power.
A worked example
Starting with 10,000 and adding 100 each month for ten years at zero return and zero fees gives 22,000. Positive inflation makes its value in today’s money lower.
Are the returns guaranteed?
No. A constant return is a planning assumption. Actual returns vary, and taxes, trading costs or different fee structures can reduce results. Compare more than one assumption.
References and further reading
Calculations run on your device. Review your results before exporting or sharing them.